PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Citizens Community Bank of Decatur

Decatur, IL · Cert 34082

FDIC

Q4 2005

$13.4MAssets
$8.3MLoans
$12.0MDeposits
$1.2MEquity
Deposit mix
85%Interest-bearing $10.3M15%Noninterest $1.8MQ4 2004Q4 2005

NIM

5.75%Q4 ’035.26%Q4 ’045.09%Q4 ’05-1%-16%

Non-interest income vs. expense

6.37%Q4 ’035.94%Q4 ’045.39%Q4 ’05-5%-11%

Executive Summary

  • Earnings: ROA of -1.66%, down 70 bps year over year; NIM at 2.60%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.82%.
  • Funding: loans stand at 68.92% of deposits as of Q4 2005.

Financial Results

Return on Assets (YTD, annualized)

-1.66%-70 bps YoY

Net Interest Margin (YTD, annualized)

2.60%-51 bps YoY

Efficiency Ratio (YTD, annualized)

152.24%+456 bps YoY

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ4 2004Q1 2005Q2 2005Q3 2005Q4 2005YoY ΔTrend
Earnings
Return on Assets-0.96%1.27%-0.23%-1.11%-1.66%-70 bps
Return on Equity-8.43%12.19%-2.19%-10.92%-16.72%-829 bps
Net Interest Margin3.11%2.77%2.41%2.44%2.60%-51 bps
Efficiency Ratio147.68%77.04%114.88%138.24%152.24%+456 bps
Non-Interest Burden5.03%1.52%3.02%3.75%4.45%-58 bps
Growth
Asset Growth (YoY)0.94%2.18%2.07%1.67%-3.33%-427 bps
Loan Growth (YoY)-2.89%-3.97%-1.98%0.99%-6.22%-333 bps
Deposit Growth (YoY)2.36%3.64%1.87%2.35%-0.56%-292 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans-0.01%0.23%2.23%1.06%0.82%+83 bps
Allowance / Loans2.91%2.96%1.62%1.81%1.96%-95 bps
Allowance Coverage of NPLsn/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ration/an/an/an/an/an/an/a
Total Risk-Based Capital16.00%16.64%16.14%14.96%14.55%-145 bps
Equity / Assets10.69%10.10%10.22%9.60%8.90%-180 bps
Liquidity & Funding
Loans / Deposits73.08%66.65%69.30%73.54%68.92%-416 bps
Liquid Assets / Assets0.08%0.08%0.09%0.09%0.09%+1 bps
CRE / Total Capitaln/an/an/an/an/an/an/a